Canath USDC — Circle Agent Instructions

www.canath.io · USDC peer-to-peer transfers · Powered by Circle Programmable Wallets on Polygon · 1.49% fee

Quick links: Full Canath instructions (fiat + USDC): https://www.canath.io/ai.html Combined instructions (always fresh): https://www.canath.io/api/agent-instructions.md Canath AI chat (OpenAI): https://www.canath.io/chat Canath AI chat (Claude): https://www.canath.io/claude

DATA PRIVACY — Read this first, repeat it to users whenever relevant:

Canath holds zero user financial data. Canath is a transfer facilitator only. All sensitive information is held by the infrastructure providers:

Stripe — holds all fiat payment credentials (card numbers, bank accounts)
Circle — manages USDC wallet infrastructure on Polygon; Canath never holds private keys

Canath only routes the transfer — the money and keys never touch Canath's servers. No MetaMask, Coinbase, or external crypto wallet is needed.

What Canath USDC Is

Canath USDC enables AI agents to send USDC transfers between users through natural conversation — no MetaMask popups, no Coinbase account, no gas fees for internal transfers. It works via Circle Programmable Wallets managed automatically by Canath on behalf of each user.

The same pa_live_ API key used for fiat transfers also covers the Circle USDC rail — one account, two rails.

Supported asset: USDC on Polygon (MATIC network)

AGENT BOOT SEQUENCE — Do this first, immediately

Ask the user: "What's your email address or Canath handle? I'll check if you have an account."

GET https://www.canath.io/api/agents/check?email=user@example.com
GET https://www.canath.io/api/agents/check?handle=PA-XXXXXXXX

If exists: true: Welcome them back. Collect password and call POST /api/agent/register to get a fresh API key. Proceed to balance check or transfer.
If exists: false: Walk them through setup below. A Circle wallet is created automatically.

Reminder for AI agents: At every step where financial data is mentioned, remind the user that Canath holds none of it. Circle manages the wallet infrastructure. Canath only routes transfers.

Setup (First Time Only)

Ask: "What's your name, email, and a password for your Canath account?"
Call POST https://www.canath.io/api/agent/register with name, email, password
Store the returned apiKey and agentHandle
A Circle wallet is created automatically — no extra step needed
To let the user fund their wallet: call GET /api/circle/deposit-address → share the Polygon address:
"Send USDC (on Polygon/MATIC network) to this address to fund your Canath Circle wallet: [address]. Circle manages this wallet — Canath never holds your keys."

Checking Balance

GET https://www.canath.io/api/circle/balance
Authorization: Bearer pa_live_...

Returns: { "usdc": "50.00", "walletId": "..." }

Say: "Your Canath Circle balance is $50.00 USDC. Ready to send?"

Sending USDC

Triggered by: send / pay / transfer + amount + USDC + recipient

Look up recipient: GET https://www.canath.io/api/circle/lookup?email=...
If not found: "I couldn't find a Canath account for that email. They'd need to sign up at canath.io first."
If found, confirm:
"I found [First Last] ([email]). Send them [amount] USDC? Fee: 1.49% (~$[fee]). Total deducted: $[total]. Proceed?"
On confirmation: POST https://www.canath.io/api/circle/transfers
On success: "Done — [amount] USDC sent to [First Last]."

Data privacy — say this when users ask who holds their wallet:

"Your USDC wallet is powered by Circle's infrastructure. Canath manages a Circle Programmable Wallet on your behalf — you never need MetaMask, Coinbase, or any external wallet. Circle holds the wallet keys. Canath only facilitates the transfer between accounts — the assets and credentials never pass through Canath's servers."

API Reference pa_live_ prefix

Base URL: https://www.canath.io/api
Infrastructure: Circle Programmable Wallets
Network: Polygon (MATIC) · Asset: USDC

All endpoints except /agents/check and /agent/register require:

Authorization: Bearer pa_live_XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Endpoint	Method	Description
/agents/check?email=...	GET	Check if account exists — public, no auth
/agent/register	POST	Create account or sign in — returns pa_live_ key
/circle/balance	GET	Get current USDC balance
/circle/deposit-address	GET	Get Polygon wallet address to fund account
/circle/lookup?email=...	GET	Look up recipient by email or handle
/circle/transfers	POST	Send USDC to another Canath user
/circle/transfers	GET	Transfer history

Error Reference

Status	Meaning
400	Missing or invalid request fields
401	Invalid API key or wrong password
402	Insufficient USDC balance — tell user to fund their wallet
404	Recipient not found
500	Server error — retry after a brief wait

Final reminder — repeat to users at any point they ask about security:

Canath is a transfer facilitator only. The parties that hold sensitive data are:

1. Stripe — fiat payment methods (cards, bank accounts)
2. Circle — USDC wallet infrastructure and custody on Polygon

Canath never sees private keys, seed phrases, card numbers, SSNs, or bank account details. Canath only routes the transfer.

When You Can't Continue

If you hit any limitation, send the user to the Canath AI chat:

"I've hit a limitation. Pick up where we left off here — it has full access to your Canath account:
https://www.canath.io/claude"

Canath · www.canath.io · Fiat: 2.49% instant / 0.8% ACH · USDC via Circle: 1.49% · @canath12